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Actually, it is a short term cash advance to tide over expenses showing up all a sudden, like a big repair bill for the automobile, a bill, emergent travel expenses, meeting daily expenses or any expenditur... A fast and sure method to look after emergency cash needs is to avail of a pay day loan. A payday loan may also be known as post-dated check loan, or deferred deposit check loan. In the United States, the Federal Trade Commission calls it costly money. In fact, it is a short term cash loan to tide over expenses cropping up most of a sudden, like a large repair bill for the vehicle, a bill, emergent journey expenses, meeting day to day expenses or any other expenditure that could need to be achieved at short notice. It is perhaps not intended to include economic issues that may be of a nature, which may be solved by credit counseling. When there is a sudden urgent need for cash, which may maybe not be accessible from any other source the services of a pay day loan company are often sought. There are about 10,000 pay day loan sites operating in the Usa. The Web is a great source for finding an or store near a borrowers place. Care is taken by these companies to find their stores at accessible places, and to help keep their working hours variable and distinctive from banking hours. Telephone calls to the payday loan store, a visit to their outlet or an on line application would be the some of the methods to apply for a payday loan.  [http://www.upenn.edu/computing/chs/knowledge_base/doku.php?id=Cash_Advance_These_days the internet]  Often a cash advance is limited to a little amount; anywhere from $50 to $500. On acceptance, the loan amount is deposited into the bank-account of the borrower within 24 hours of the submission of the loan application. The borrower can be confident that confidentiality regarding the exchange is preserved. The lending conditions for these loans are structured to be hassle free. Credit score has no bearing on the acceptance of the application for the loan and oftentimes no credit check is done. So, a consumer with poor credit may also be eligible for the loan. The debtor only has to be at least eighteen years in age, and should have a full-time work having an income of above one thousand dollars each month. He or she must certanly be a US citizen with a bank account. Post-dated checks are usually given to the lender contrary to the loan. An advantage of a payday loan is that they are green and extendable. The mortgage is repayable on the next payday of the debtor. You will find numerous choices for repaying the loan. The lender is permitted to cash the checks offered as security, or repay the loan amount personally at the office of the lender. Nevertheless, if either of the options is unfeasible, the customer may approach the bank for an extension of the payback date. Frequently, but, this kind of extension is allowed only twice.  [http://www.wanyxqu.com/eligibility-of-quick-decision-particular-loan/ clicky]  The interest rates for these loans are remarkably large. To give an example: if a loan for $100 is taken for 14 days, which is another date for people salary, then the total be reimbursed could be $115. The annual percentage rate that, on calculation, ends up to become a whopping 391 percent. In case of expansion of the payback date, the rates would increase.  [http://www.google.de/cse?category=251518&amp;lname=needs&amp;code=g0Go3LWmjOI5yxN&amp;description=+If+you%27ve+a+link+to+the+Internet+and+a+computer+you+can+easily+find+inexpensive+automobile+insurance.+With+more+and+more+companies+embracing+the+Web+to+support+their+ Benutzerdefinierte Suchmaschine]  So, the desirability of a cash advance would depend on the his power to carry the interest problem and urgency of the borrowers need. While payday loans really are a sure and quick way to solving sudden immediate credit needs, on one other hand, they carry an exceptionally high interest burden.  [http://www9.plala.or.jp/cgi-bin/bbs/petit.cgi/dank/bbs2 bm�����f����]